Banco de Credito del Peru SA Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Million

Standalone Quarterly Results

Sep'13

Jun'13

Mar'13

Dec'12

Sep'12

Jun'12

Mar'12

Interest Earned

1,451.60

1,398.32

1,322.67

1,512.53

1,252.46

1,188.61

1,132.63

Income On Investments

101.73

112.68

107.01

239.75

93.50

107.00

104.80

Interest On Balances With Rbi Other Inter Bank Funds

18.06

18.30

19.86

17.93

27.63

20.95

20.91

Interest / Discount On Advances / Bills

1,330.25

1,260.09

1,193.14

1,172.42

1,127.70

1,058.48

1,003.90

Others

1.55

7.25

2.65

82.44

3.62

2.19

3.02

Other Income

616.63

674.30

588.76

439.63

593.82

547.79

554.52

Total Income

2,068.23

2,072.61

1,911.43

1,952.16

1,846.27

1,736.41

1,687.16

Interest Expended

434.19

465.01

420.07

428.93

387.97

376.78

352.89

Net Interest Income

1,017.41

933.30

902.60

1,083.61

864.49

811.83

779.75

Total Expenditure (Excl Depreciation)

776.89

800.42

700.03

785.94

718.63

652.08

626.28

Employee Cost

628.08

657.84

588.30

665.53

594.58

555.98

505.11

Other Operating Expenses

148.81

142.58

111.73

120.42

124.05

96.09

121.17

Operating Profit Before Provisions and Contingencies

857.15

807.18

791.33

737.30

739.68

707.55

707.99

Exceptional Items

0.00

Provisions and contingencies

298.60

282.65

227.10

261.61

224.12

266.91

168.06

Profit Before Tax

558.55

524.54

564.23

475.68

515.55

440.64

539.92

Tax

140.57

148.54

140.36

114.14

125.57

110.03

124.36

Profit After Tax

417.97

376.00

423.87

361.55

389.98

330.61

415.56

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

417.97

376.00

423.87

361.55

389.98

330.61

415.56

Face Value

0.0

Reserves

4,036.15

3,557.92

3,246.78

4,038.39

3,711.31

3,317.29

3,049.98

Earnings per share (EPS)

0.05

0.04

Diluted Earnings per share

0.05

0.04

Operating Profit Margin (Excl OI)

0.0%

Gross Profit Margin

38.48%

37.51%

42.66%

31.45%

41.16%

37.07%

47.67%

PAT Margin

28.79%

26.89%

32.05%

23.9%

31.14%

27.81%

36.69%

Net Interest Margin

0.0%

5.16%

0.0%

Return on Assets

0.0%

CASA (%)

0.0%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.0%

14.72%

14.11%

15.9%

15.35%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

0.0%

Amount of Gross NPAs

0.00

548.58

567.63

564.42

504.07

Amount of Net NPAs

0.00

548.58

567.63

564.42

504.07

% of Net NPAs

0.0%

1.16%

1.23%

1.26%

1.19%

% of Gross NPAs

0.0%

1.16%

1.23%

1.26%

1.19%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

Number of Branches

0.0

Quarterly Analysis Highlights - YoY

Interest Earned

YoY Growth in quarter ended Sep 2013 is 15.9% vs -3.64% in Sep 2012

Net Profit

YoY Growth in quarter ended Sep 2013 is 7.18% vs -5.68% in Sep 2012

Operating Profit (PBDIT)

YoY Growth in quarter ended Sep 2013 is 15.87% vs 9.93% in Sep 2012

% of Net NPAs

YoY Growth in quarter ended Sep 2013 is -1.23% vs 0.75% in Sep 2012

% of Gross NPAs

YoY Growth in quarter ended Sep 2013 is -1.23% vs 0.75% in Sep 2012

Compare Quarterly Results Of Banco de Credito del Peru SA With

Select Peers

Figures in Million

Consolidate Quarterly Results

Change(PEN)

Change(%)

Interest Earned

1,685.50

Income On Investments

0.00

Interest On Balances With Rbi Other Inter Bank Funds

0.00

Interest / Discount On Advances / Bills

0.00

Others

1,685.50

Other Income

602.30

Total Income

602.30

Interest Expended

504.19

Net Interest Income

1,181.31

Total Expenditure (Excl Depreciation)

832.91

Employee Cost

0.00

Other Operating Expenses

832.91

Operating Profit Before Provisions and Contingencies

581.90

Exceptional Items

0.00

Provisions and contingencies

368.80

Profit Before Tax

576.86

Tax

158.36

Profit After Tax

417.97

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

417.97

Face Value

1.00

0.00

Reserves

7,788.76

Earnings per share (EPS)

0.03

Diluted Earnings per share

0.03

Operating Profit Margin (Excl OI)

25.43%

0.00

25.43%

Gross Profit Margin

38.55%

0.00

38.55%

PAT Margin

18.27%

0.00

18.27%

Net Interest Margin

6.66%

6.66

6.66%

Return on Assets

1.74%

1.74

1.74%

CASA (%)

0.00%

0.00

0.00%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.00%

0.00

0.00%

Capital Adequacy Ratio (Tier 1)

0.00%

0.00

0.00%

Provision Coverage Ratio (%)

0.00

0.00%

Amount of Gross NPAs

1,716.57

Amount of Net NPAs

1,716.57

% of Net NPAs

2.84%

2.84

2.84%

% of Gross NPAs

2.84%

2.84

2.84%

Public Share Holdings (%)

0.00

0.00%

Pledged Promotor Holding (%)

0.00

0.00%

Pledged Capital (%)

0.00

0.00%

Number of ATMs

0.00

Number of Branches

0.00

Quarterly - Interest Earned

Interest Earned 145.16 Million

in Sep 2013

Figures in Million

QoQ Growth in quarter ended Sep 2013 is 3.81% vs 5.72% in Jun 2013

YoY Growth in quarter ended Sep 2013 is 15.9% vs -3.64% in Sep 2012

Quarterly - Net Profit

Net Profit 41.80 Million

in Sep 2013

Figures in Million

QoQ Growth in quarter ended Sep 2013 is 11.17% vs -11.30% in Jun 2013

YoY Growth in quarter ended Sep 2013 is 7.18% vs -5.68% in Sep 2012

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 85.71 Million

in Sep 2013

Figures in Million

QoQ Growth in quarter ended Sep 2013 is 6.18% vs 2.01% in Jun 2013

YoY Growth in quarter ended Sep 2013 is 15.87% vs 9.93% in Sep 2012

Quarterly - % of Net NPAs

No % of Net NPAs in the last few periods

Quarterly - % of Gross NPAs

No % of Gross NPAs in the last few periods